Bill bauer aka Creditwrench tries to pass himself off as the debtor's friend - the source of information to combat the evil collection agencies. Here's an example of a Joke he posted on www.creditindustry.com the Collecion Industry web site: Creditwrench Senior Member Posts: 220 Joined: Nov 2002 Sunday 09/28/03 11:46 PM One day a florist goes to the barber for a haircut. After the cut, he asks the barber about his bill. "I cannot accept money from you. I am doing community service this week." The florist is pleased and leaves the shop. The next morning, when the barber opens his shop, there is a thank-you card and a dozen roses waiting at his door. Later, a policeman comes in for his haircut and he also goes to pay the barber. The barber replies, "I cannot accept money from you. I am doing community service this week." The cop is happy and leaves the shop. The next morning, the barber opens his shop. There is a thank-you card and a dozen donuts waiting at his door. A deadbeatt comes for a hair cut and when he asks the barber what he owes, the barber replies, "I cannot accept money from you. I am doing communit service this week." The deadbeat is extremely happy and leaves. The next morning, when the barber opens his shop, a dozen deadbeats are lined up waiting for a free haircut. There you have it - in his own words we are deadbeats. Don't take MY word for it - here's the link, go see it yourself: http://www.collectionindustry.com/forum/messageview.cfm?catid=9&threadid=364&STARTPAGE=2